AnnualCreditReport.com is a centralized service for consumers to request annual credit reports. It was created by the three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.
AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.
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The BP News is a monthly newsletter designed with our customers in mind. We hope to bring you simple, straight-forward ideas and suggestions to better protect your family and your assets.
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Issue #102, November 15, 2006
Hello, again!
Very few things can make your stomach rise into your throat and knock the wind out of you as fast as the sight of your home and personal belongings ravaged by a stranger.
And guess what? The holiday season is burglary season. Burglary rates increase twice each year: Once during the July/August vacationing season and again in the November/December holiday season. The reason? People let their guard down.
Here are some tips to help protect your home this holiday season:
* Install Outdoor Lighting. Make sure your lighting illuminates your house-don't point it into the eyes of neighbors who may otherwise be able to see someone entering your home.
* Alarm Your Home. Alarms have become very sophisticated (and more cost-effective) in recent years. (As an added bonus, many insurance companies offer discount to homes protected by alarm systems. Call us to find out if you qualify.)
* Keep A Tidy Yard. Don't give thieves hiding places-keep your bushes pruned.
* Secure Your Doors. Strike plates are inexpensive and effective ways to add security to your doors.
* Secure Your Windows and Sliding Doors. Use small locks or dowels to help secure your windows and sliding doors to make it more difficult for thieves to enter.
* Live In Your Home Year Round. Use variable timers for your lights when you're away and also be sure to put your television or radio on a timer while you're gone. A noisy home is a lived-in home.
* Know Your Neighbors. A neighbor that knows you is much more likely to report strange behavior than a neighbor you've never met.
You can't stop a thief, but you can deter one. Illuminating your home at night, removing hiding places, properly securing doors and windows, and giving your home a lived-in feel while you're away are all great ways to make your house less-appealing to a would-be thief.
Remember: thieves want the easy money-that's why steal instead of work for their money. Make it obvious that your house isn't "easy money."
Final Tip: Call us if you have questions about protecting your home from burglary or if you need to obtain insurance to protect your assets. That's why we're here ... to help you!
Sincerely,
Brian Phillips
Brown-Phillips Insurance
PS: We appreciate your business and would like to let you know that we offer all types of insurance products. We provide insurance for auto, home, business, motorcycle, R.V., boat, life, and health insurance. If you or someone you know could use our services, please give me a call for a fast and friendly quote. Or visit our website at https://www.ifitsinsurance.com/Quotes
Issue #101, September 19, 2006
Dear Insured,
Both your claims history and your credit record can influence your insurance rates, and may even make getting insurance difficult. Insurance companies do not review your full credit report and only receive what is known as a promotional inquiry. These inquiries are not seen by anyone but you and do not affect your credit score. These are similar to a pre-approved credit card offer.
So, I thought I'd give you some information on where to get your reports for free.
Get a copy of your credit record from any of the three major credit bureaus ... Equifax, Experian and Trans Union. Go to www.AnnualCreditReport.com for your free copy.
What is AnnualCreditReport.com?
It's a good idea to check your credit report once a year and make sure it's accurate. You may also catch an Identity Thief before they do too much damage to your credit by checking regularly. And now it is free! The individual credit companies will try to upsell their products to you, but the basic credit report is free.
Identity theft is a major issue that can take years and lots of money to fix. Be proactive and check your credit report. It can help prevent identity theft and alert you to possible problems that could lead to increased insurance rates.
I hope you found this information useful. Thanks for your business!
Sincerely,
Brian Phillips
Brown-Phillips Insurance
PS: We appreciate your business and would like to let you know that we offer all types of insurance products. We provide insurance for auto, home, business, motorcycle, R.V., boat, life, and health insurance. If you or someone you know could use our services, please give me a call for a fast and friendly quote. Or visit our website at https://www.ifitsinsurance.com/Quotes
